# Confluence Financial Partners

Confluence Financial Partners is a Bank / Wealth / Trust based in McMurray, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** McMurray, United States
- **Region:** North America
- **Address:** 732 E McMurray Road, McMurray, PA 15317, United States
- **Founded:** 2021
- **Assets under management:** Undisclosed
- **Website:** confluencefp.com
- **LinkedIn:** https://www.linkedin.com/company/confluence-financial-partners

## Regulatory record

- **Reports private funds:** No

## About

Confluence Financial Partners launched in 2021 with headquarters in McMurray, Pennsylvania. The registered investment adviser serves high-net-worth individuals, families, business owners, and non-profit organizations, emphasizing a fiduciary commitment and a planning-led advisory model branded as the Confluence Standard. The firm's investment approach blends active and passive strategies through an objective-based framework, directing capital across equities, fixed income, and retirement-plan vehicles. It deploys tax-efficient overlays and maintains a dual geographic presence in Pennsylvania and Florida — serving clients from offices in McMurray, Pittsburgh, Sewickley, Grove City, and Bonita Springs. The practice does not disclose a target benchmark index, instead anchoring portfolios to specific client goals. Confluence lists three named investment and planning leaders: Chief Investment Officer William Winkeler Jr., Director of Wealth Planning Chuck Zuzak, and Director of Retirement Plan Services David Graver. The firm does not publish firm-wide AUM or total advisor headcount. In May 2026, Winkeler authored a market commentary on the firm's website, continuing a cadence of in-house thought leadership that doubles as client education. Structurally, Confluence operates as a multi-office RIA without a single-family-wealth anchor or external institutional capital — its scale comes entirely from organic client acquisition across two states. The absence of a disclosed AUM figure and the fiduciary, planning-first posture place it in a category of advisor that competes on relationship depth rather than pooled-vehicle performance.

## Offices

- Pittsburgh, PA, United States
- Sewickley, PA, United States
- Grove City, PA, United States
- Bonita Springs, FL, United States

## People

- William Winkeler Jr. — Chief Investment Officer
- Chuck Zuzak — Director of Wealth Planning
- David Graver — Director of Retirement Plan Services

## Questions

### Who runs investment decisions at Confluence Financial Partners?

William Winkeler Jr., CFA, CFP®, serves as Chief Investment Officer and leads the firm's investment strategy. He is supported by Chuck Zuzak, Director of Wealth Planning, and David Graver, Director of Retirement Plan Services. All three are named on the firm's website.

### How does Confluence Financial Partners construct client portfolios?

Confluence uses an objective-based framework that combines active and passive investment strategies. The firm applies strategic planning and tax-efficient solutions, with the stated goal of maximizing returns and minimizing long-term costs rather than outperforming a specific benchmark index.

### Does Confluence Financial Partners manage retirement plan assets for employers?

Yes. David Graver directs the firm's Retirement Plan Services division, which advises on employer-sponsored retirement plans. This is a distinct practice line alongside the firm's individual and family wealth management.

### What is the Confluence Standard?

The Confluence Standard is the firm's internal label for its planning-first, fiduciary service model. It organizes the client relationship around five pillars: financial planning, portfolio management, client experience, strategic evolution, and fiduciary commitment. The framework emphasizes continuous education through webinars, newsletters, and videos.

## Related profiles

- [Compass Financial Group](https://altss.com/profile/compass-financial-group)
- [Continuum Wealth Advisors](https://altss.com/profile/continuum-wealth-advisors)

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Last updated: 2026-06-03T20:00:00.000Z

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